Financial Services / Banks - RegionalNasdaqCM
$20.70
-0.36 (-1.71%)
Book/ROE base 3Y
n/d
n/d CAGR · P/B n/d
Book/ROE base 5Y
n/d
n/d base · n/d expected
Precio de entrada
n/d
MOS 100% · confianza 20%
Book/ROE escenarios
weak_data · book/share n/d · quality 38.0/100
Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.
SA Score
25/100
D
Piotroski
4/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
20/100
SEC 0%
Sin guardar todavía.
Market Cap
$371M
P/E
19.3x
↑EV/EBITDA
N/A
•ROE
6.9%
↑Gross Margin
N/A
•Debt/Equity
0.55
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2009–2025 · 16 años de histórico normalizado
Revenue CAGR
+3.7%
FCF CAGR
+6.1%
FCF margin
24.9%
FCF / Net income
1.28x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $120.8M · net income $23.4M · FCF $30.1M
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||
| Revenue | $120.8M | $120.8M | $106.5M | $103.1M | $106.0M | $84.5M | $77.2M | $64.8M | $50.3M | $45.9M | $44.1M | $44.5M | $46.0M | $48.9M | $56.6M | $61.3M | $62.1M | $68.0M |
| Net Income | $23.4M | $23.4M | $26.0M | $24.1M | $26.6M | $30.6M | $19.2M | $19.5M | $22.0M | $13.4M | $15.8M | $16.5M | $17.1M | $18.6M | $22.7M | $23.4M | $19.1M | $-39.3M |
| EPS | 1.46 | 1.46 | 1.69 | 1.57 | 1.71 | 1.92 | 1.30 | 1.46 | 1.79 | 1.10 | 1.30 | 1.35 | 1.38 | 1.50 | 1.85 | 1.92 | 1.45 | — |
| Net Margin | 19.4% | 19.4% | 24.4% | 23.4% | 25.1% | 36.2% | 24.9% | 30.1% | 43.7% | 29.3% | 35.7% | 37.0% | 37.1% | 38.0% | 40.1% | 38.1% | 30.7% | -57.9% |
| Balance Sheet | ||||||||||||||||||
| Debt/Equity | 0.55 | 0.55 | 0.75 | 0.80 | 0.72 | — | — | — | 0.18 | 0.05 | 0.21 | 0.21 | 0.39 | 0.41 | 0.46 | — | — | — |
| Cash Flow | ||||||||||||||||||
| Free Cash Flow | $30.1M | $30.1M | $31.1M | $31.3M | $31.3M | $33.0M | $21.6M | $19.6M | $24.7M | $17.7M | $16.9M | $18.6M | $21.5M | $29.8M | $26.0M | $36.5M | $34.3M | $11.7M |
| Returns | ||||||||||||||||||
| ROE | 6.9% | 6.9% | 9.4% | 9.2% | 10.7% | 10.1% | 6.4% | 8.0% | 11.2% | 7.1% | 8.5% | 8.8% | 9.1% | 10.4% | 12.4% | — | — | — |
| Valuation | ||||||||||||||||||
| P/E | 19.35 | 19.35 | 10.91 | 14.11 | 13.60 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| P/B | 0.97 | 0.97 | 1.02 | 1.29 | 1.44 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Growth & Yield | ||||||||||||||||||
| Revenue Growth | 13.5% | 13.5% | 3.3% | -2.7% | — | 9.5% | 19.1% | 28.7% | 9.7% | 4.0% | -0.9% | -3.2% | -5.9% | -13.6% | -7.5% | -1.4% | -8.6% | — |
| EPS Growth | -13.6% | -13.6% | 7.6% | -8.2% | — | 47.7% | -11.0% | -18.4% | 62.7% | -15.4% | -3.7% | -2.2% | -8.0% | -18.9% | -3.6% | 32.4% | — | — |
| Dividend Yield | 5.4% | 5.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
8.0%
EPS terminal req.
$1.84
Spread vs growth
-21.6%
5Y implied EPS CAGR
8.8%
EPS terminal req.
$2.22
Spread vs growth
-22.4%
10Y implied EPS CAGR
9.4%
EPS terminal req.
$3.58
Spread vs growth
-23.0%
Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.
Total return
+17.0%
Start / end P/E
11.0x → 14.2x
EPS bridge
1.69 → 1.46
Residual
-4.0%
Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.